Student Loans Types

Federal Parents Plus Loans
Paying for college can be challenging and parents often turn to personal loans and credit cards to manage college expenses. Still, when financial aid, scholarships, and even student loans aren't enough to cover the costs of a college education there are other options.

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Federal Work Study Program
If you need reliable sources of funding for your college education, federal loans and scholarship programs aren't your only options. The Federal Work Study Program (FWS) helps students with financial need pay for college while working with an approved employer. The federal government pays between 50-100% of the wages for these jobs. The jobs are typically posted in the Student Employment Office.

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Student Loans - Which Type is Which
Many use student loans, issued by the federal government and private institutions, to help fund college related fees, such as tuition and room and board. To apply for federal financial aid, the applicant must fill out and submit the
Free Application for Federal Student Aid (FAFSA)
. The FAFSA, submitted annually by current and matriculating undergraduate and graduate students, determines need-based financial aid eligibility for loans, grants and work-study programs.

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William D. Ford Direct Loan Program‚ What You Need to Know
If you're struggling with securing funding for your college education there are a number of options available with federal and private student loan programs. The William D. Ford Direct Loan Program is just one way to take advantage of federal student aid options and is a valuable opportunity for getting a low-interest rate on a student loan. This direct loan program offers a number of repayment plans and is managed by a direct loan servicing center. If you're considering applying for the William D. Ford Direct Loan Program, here's what you need to know:

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Perkins Loans - Need to Know
Students who wish to earn degrees at accredited colleges or universities have a variety of financial aid options available, including Federal Perkins Loans. The loans have a very low interest rate, making them an ideal way to help pay for necessary educational expenses not covered by grants or scholarships. Perkins Loans are sometimes referred to as National Defense Student Loans or National Direct Student Loans.

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Sallie Mae - Need to Know
Ranked as the number one source for educational funding, Sallie Mae manages and owns millions of dollars in federal, private, and consolidation loans. Their borrowers consist of undergraduates, graduates, and parents. Borrowers also seek advice from Sallie Mae on the best way to obtain such money.

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Stafford Loans - Need to Know
The majority of people who want to get a college education need to get financial aid in order to be able to pay for that education. Most students (and their parents) simply don't have the cash that's necessary to pay the high cost of college out of pocket. As a result, they turn towards any scholarship, loan or other money that they can get their hands on. As a general rule, they try to get the best college loans possible in order to have the least amount of money owed back after they graduate from college.

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